Home Insurance in Greenleaf, Idaho
The median home value in Greenleaf is $363,700, 7% lower than the Canyon County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Greenleaf was built around 1979. About 25% of homes were built before 1960, about 10 points above Canyon County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Greenleaf is 85% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
65% of owner-occupied homes in Greenleaf carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Greenleaf has an owner-occupancy rate of 75% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Greenleaf - 53% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Canyon County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Canyon County had 418 active NFIP flood policies as of September 2026. See the full Canyon County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Idaho, the statewide average premium for a standard HO-3 homeowners policy is $1,135 per year (NAIC, 2023 data).
Key figures
| Median home value | $363,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Canyon County | 418 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)